Clearing Acquirer

For banks operating as both credit card issuers and acquirers, the ability to deposit funds into merchants' accounts quickly and accurately is a game-changing competitive advantage. In Central America’s fiercely competitive banking sector, where every capability counts, faster settlements and near real-time clearing processes are becoming essential to meet the growing demand for immediate cash availability from merchants.

One of our clients, a leading bank in Central America, faced this challenge head-on. With over 300,000 credit card customers, hundreds of affiliated merchants, and operations across four countries, they needed a solution that could handle their scale while delivering near real-time clearing.

We designed a state-of-the-art, event-driven microservices architecture based on Domain-Driven Design (DDD) principles and powered by Apache Kafka as the streaming server. The solution incorporates essential patterns like Database per Service, Event Sourcing, CQRS, Distributed Caching, API Gateway, Health Check API, Log Aggregation, Distributed Tracing, Application Metrics, and Audit Logging.

Distributed transactions across multiple subdomains are seamlessly orchestrated using the Saga Pattern, enabling near real-time deposits into merchants' accounts. With a high level of abstraction and deep parametrization, the solution is not only efficient but also adaptable to future market changes, ensuring long-term value and scalability for our client.